Risk Director (Specialist Finance)

Bibby Financial Services; United Kingdom; Hybrid; GBP 150,000 - 160,000; Full time

Benefits offered by this job

Car allowance

Performance bonus

Private healthcare

Company pension scheme

Flexible benefits

30 days' holiday

Electric Vehicle scheme

Job summary

A specialist finance company in the United Kingdom is seeking a Senior Risk Leader to oversee credit and financial risks. The role offers a competitive salary of £150-160K, along with bonuses and flexible hybrid working arrangements. Responsibilities include leading the risk strategy, providing oversight on asset-based lending transactions, and shaping lending decisions. The ideal candidate will have extensive credit risk experience and expertise in asset finance. Benefits include private healthcare, pension scheme, and 30 days of holiday.

Qualifications

• Senior risk leader in specialist finance required.
• Experience in asset-based lending and marine finance preferred.
• Strong decision-making and influence skills needed.

Responsibilities

• Lead risk strategy and culture in the finance business.
• Provide credit risk oversight across portfolios.
• Design credit policies that support growth.

Skills

Extensive credit risk experience within financial services

Deep asset finance and asset-based lending expertise

Strong background in front-line underwriting and sanctioning

Experience building risk-based models

Understanding of FX risk

Ability to influence leadership decisions

Job description

£150-160K + car allowance + performance bonus

Flexible | Hybrid working with frequent travel required to UK offices

At some point in your risk career, you stop just managing risk and start defining how a business lends, trades and grows.

This is one of those roles.

You’ll sit right at the leadership table of a specialist finance business with meaningful exposure to Asset-Based Lending, Marine Finance and Foreign Exchange.

These are growing businesses and we have ambitious growth plans across the full specialist finance functions.

This is not a back‑office role. It’s a seat where risk, credit, assets and currency all meet… Where judgement really matters.

What you’ll be doing

You’ll have overall responsibility for credit, operational, regulatory and financial risk across the specialist finance businesses, in practice, that means:

• Setting and leading the risk strategy across specialist finance, embedding a commercially minded, risk‑aware culture
• Providing strong credit risk oversight across asset‑backed and marine portfolios, including ongoing monitoring and intervention
• Designing and evolving credit policies, frameworks and risk‑based models that support growth without compromising control
• Sitting at the front end of underwriting and sanctioning, with senior discretion over complex and high‑value facilities
• Direct involvement in asset‑based lending, asset finance and marine finance transactions, including deal structuring and challenge
• Assessing and managing FX risk associated with lending, assets and client activity, working closely with treasury and funding partners
• Leading portfolio analysis, provisioning input and root‑cause reviews to refine risk appetite across asset classes

You’ll be a member of the senior leadership team and boards, partnering closely with the CRO and Managing Director to shape lending decisions at source.

What you’ll bring

You’re a senior risk leader from specialist finance, comfortable operating where assets, credit and currency risk intersect.

You’ll bring:

• Extensive credit risk experience within financial services
• Deep asset finance and asset‑based lending expertise, this is essential
• Ideally you’ll have exposure to marine finance (we understand this is niche so don’t worry if you don’t) or practical experience of FX
• Strong background in front‑line underwriting and sanctioning
• Experience building and overseeing risk‑based models and portfolio monitoring frameworks
• Credibility and confidence to sit around the leadership table at lending stage, influencing outcomes rather than observing them

Above all, you’ll combine technical depth with commercial judgement, being able to protect the business without slowing it down.

The good stuff

• £150-160K salary + Car allowance (£7,192.50) + performance bonus (up to 30%)
• Hands‑on Risk Director role in a specialist finance environment where asset‑based lending, marine assets and FX exposure are central to how the business operates.
• Your expertise truly gets used and listened to.
• Private healthcare for you and your family
• Company pension scheme
• Flexible benefits (gym membership, tech, health assessments and more)
• Access to an online wellbeing centre
• Discounts with a wide range of retailers
• 30 days’ holiday plus bank holidays, with buy/sell options
• Electric Vehicle / Plug‑in Hybrid Vehicle scheme

About Bibby Financial Services

We’re a global organisation operating in nine countries, supporting over 9,000 SMEs worldwide. Following the completion of a £1bn securitisation deal, we’re increasing our lending to UK businesses at a time when support really matters and this role plays a vital part in making that happen.

This isn’t theoretical risk or remote oversight.

If your experience spans asset finance, currency‑linked risk or marine finance, this is the role where that expertise truly gets used.

Start with a conversation. Apply, or get in touch before the 3rd April 2026.

Everyone will receive a response.

Bibby Financial Services is committed to creating an inclusive workplace. If you require any adjustments during the recruitment process, please let us know.